Renters Insurance | Barnard Donegan Insurance

Renting a home or apartment comes with flexibility—but it also comes with risks. While your landlord’s insurance covers the building, it doesn’t protect your personal belongings or liability. That’s where renters insurance comes in. At Barnard Donegan Insurance, we offer customized policies that safeguard your valuables, provide liability coverage, and ensure you have a financial safety net if disaster strikes.

Why Do You Need Renters Insurance?

Many renters assume their belongings are covered under their landlord’s policy, but that’s not the case. Without renters insurance, you could be left paying out of pocket for theft, fire damage, or even legal claims if someone gets injured in your rental. The good news? Renters insurance is affordable and offers essential financial protection.

What’s Covered Under Renters Insurance?

A renters insurance policy provides more than just protection for your belongings—it offers peace of mind. Coverage typically includes:

✔ Personal Property Coverage – Protection from fire, theft, vandalism, and certain natural disasters.
✔ Liability Coverage – Covers legal expenses if someone is injured in your home.
✔ Loss of Use Coverage – Pays for hotel stays and other living expenses if your rental becomes uninhabitable.
✔ Additional Protection – Options for high-value items like jewelry, electronics, and collectibles.

What’s Not Covered?

While renters insurance covers many unexpected events, some exclusions apply. For example, vehicles parked on the rental property, certain types of flooding, and earthquakes may not be included. Our team is here to walk you through your options and ensure you have the right level of protection.

Affordable Coverage, Lasting Peace of Mind

Renters insurance is one of the most cost-effective ways to secure your personal belongings and protect yourself from financial loss. Whether you’re in an apartment, condo, or rental home, our team can help you find the right coverage for your needs.

Secure Your Rental with the Right Coverage

Your home should feel safe—no matter if you own or rent. Let us help you find renters insurance that protects your belongings and gives you peace of mind.